Credit Underwriter - Remote

Overview

Responsible for the review of conventional and government mortgage loan applications ensuring quality and compliance with company, investor & appraisal guidelines and meeting closing schedules.

In Short

• Completes a thorough analysis of loan files to determine compliance with company, investor, and FHA/VA guidelines.
• Evaluate the entire credit package for residential mortgage loans and ultimately ensure an “investment” quality loan product.
• Check accuracy of calculations.
• Assists with training of new underwriters.
• Recommend the loan disposition for loan amounts in excess of authority limitations to underwriting manager.
• Communicate decision on loans to appropriate parties both verbally and in writing.
• Be available to processors and correspondents for general guideline interpretations and questions on specific loan files.
• Respond to post-closing reviews and audits in a timely fashion.
• Maintains a professional image and standards consistent with company policies and procedures.
• Responsible for a high level of confidentiality and security while handling company information; verbal and/or written documentation.

Requirements

• Ability to read, write, and communicate at a level consistent with the requirements of this position, including legal documents and to non-technical staff.
• Ability to clearly organize information, understand relevant laws, identify and fix any financial discrepancies that may arise, and perform mathematical equations accurately.
• Ability to learn and support new systems and applications, and use critical thinking to make good decisions and meet deadlines.
• Demonstrated ability to handle multiple projects and details simultaneously; holds self to a high level of quality.
• Must be self-motivated and enthusiastic to obtain personal and company goals.
• Ability to stay organized to easily retrieve information and documents as needed.

Benefits

• Enjoy comprehensive health insurance plans, including medical, dental, and vision coverage, to keep you and your family healthy.
• Take advantage of a 401(k) plan with company match to help you plan for your future.
• Benefit from paid vacation, holidays, and sick leave to ensure you maintain a healthy work-life balance.
• We support your growth with training, education, and opportunities for career advancement.
• Access confidential counseling and support services for personal or professional challenges.